SBA 7(a) Eligibility for Company With International Operations?

searcher profile

November 05, 2025

by a searcher from Duke University - The Fuqua School of Business in Hickory, NC, USA

Hi all! Looking for insight from anyone who has navigated SBA lending with international operational exposure. I'm evaluating a business where: - The majority of value-added activity (manufacturing + core processing) happens overseas through supplier partners - The finished product is sold internationally (no meaningful U.S. customer base) - The company operates from the U.S. with 5 out of 6 employees based here (management, customer service, sales support) - Revenue flows through the U.S. entity - The U.S. team directs operations and owns the customer relationships, but fulfillment is international Question: Would this structure likely qualify for SBA 7(a) financing? Or does the absence of a domestic customer base and majority of value creation occurring abroad make SBA approval unlikely? If you’ve closed a deal with similar characteristics (international production + international revenue, but U.S. corporate HQ & employees), I’d love to hear your experience — particularly how lenders viewed: - U.S. job creation / retention requirements - SBA rules related to foreign operations and export revenue - Whether a U.S.-based operating footprint was enough to satisfy eligibility Any guidance or lender recommendations familiar with this setup would be greatly appreciated. Thanks in advance!
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commentor profile
Reply by a professional
from American University in Irvine, CA, USA
Hi, Dwai: This is probably a good opportunity to apply for Ex-Im Bank financing or guarantees. The Export-Import Bank is a federal agency which provides a number of products that benefit US companies engaged in foreign trade. The products include loan guarantees, credit insurance and direct lending. If that doesn't work, you might check to see if your state has an export assistance program, and there are also private foreign credit insurance companies that can backstop loans for international operations.
commentor profile
Reply by a professional
in Windermere, FL 34786, USA
Dwai, fellowing Duke checking in here. You should not have an issue based on the structure you described.
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